Is your coverage enough?
Pick your trade and state, then add your policy, a contract, or a quote — we read it line by line and score each coverage against what your state requires and what a contract demands, whichever is stricter, in plain English. We don’t issue quotes or certificates — just a plain read of the public record, not insurance advice.
This tool uses AI and can make mistakes — double-check anything important against your actual policy, and a licensed agent, before you rely on it.
| Requirements · must clear | |
|---|---|
| Coverage | In Hawaiistate requires |
If a nurse, medical assistant, or front-desk staffer is hurt on the job. $970–$3.9k/yr · typical <5-employee physician practice | RequiredFrom the first employee |
If a patient says your diagnosis or treatment caused them harm. | Required if…your state conditions medical practice on coverage or proof of financial responsibility |
If a patient slips in your waiting room or is hurt on the premises — a different claim, and a different policy, from the clinical work. | Not required |
If patient records are breached — HIPAA's notification duties arrive with any compromise — or the EHR going down stops your schedule. | Not required |
Stay current
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